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$419,900
Monthly Est:$2,090
3 Beds
2 Baths2 full baths
1,640sqft
404 21st Street SE, Vero Beach, FL 32962
$419,900
$2,090/moEst:
Get Pre-Approved
Single Family Residence
Built in 1973
$-- HOA
0.37 acre lot
$256/sq.ft
Description
RARE 2.75% ASSUMABLE FHA MORTGAGE! Qualified buyers have an incredible opportunity to assume this low-rate loan with a current monthly mortgage payment of approximately $2,150. Welcome to Vero Shores a peaceful, established community near the Indian River, adjacent to the natural beauty of Harmony Oaks Conservation Area, with NO mandatory HOA and the freedom to bring your BOAT, RV & TOYS!
This solid CBS 3BR/2BA home offers 1,640 SF and sits on an EXTRA-LARGE .37-ACRE CORNER LOT over 16,000 SF and approximately 140x115! Two driveway access points, a double rolling gate and improved shell/coquina side parking make maneuvering and storing a boat, RV or trailer a breeze. A BRAND-NEW PAVER DRIVEWAY adds beautiful curb appeal.
Inside, you'll find a BRAND-NEW guest bathroom renovation featuring tile flooring, new vanity and fixtures. Major improvements offer peace of mind, including a 2018 METAL ROOF, 2018 HVAC, 2022 WATER HEATER and COMPLETE REPLUMB in 2022. Impact-rated doors and garage door add another valuable upgrade. The laundry room has also been improved with an HVAC duct, bringing the space under air.
The Florida lifestyle continues out back with an impressive 30x15 SCREENED & COVERED LANAI approximately 450 SF of additional outdoor living and entertaining space featuring a beautiful wood ceiling and commercial fan. The oversized backyard is fully fenced and includes a utility shed for additional storage.
Location is another standout! Vero Shores offers a tucked-away residential feel surrounded by some of Vero Beach's natural beauty, with Harmony Oaks Conservation Area nearby, the Indian River just minutes away and easy access to boating, outdoor recreation, shopping, dining and Vero's beautiful beaches.
BIG LOT. NO MANDATORY HOA. ROOM FOR THE TOYS. And a 2.75% assumable FHA mortgage opportunity that's nearly impossible to recreate in today's market.
FHA loan assumption subject to lender approval and buyer qualification.
- Houzeo last checked: 9 minutes ago
- Listing updated: September 22, 2026 at 11:25 pm
- Listing Provided by: Dahlia Marianna Gotzmann (772) 643-7989 | Atlantic Key Realty group (772) 643-7989
- Source: Space Coast MLS (Space Coast Association of REALTORS®)-FL | MLS#: 1087444
Property Details
Status
Pending
Type
Single Family Residence
No. of Stories
1
County
City
Neighborhood
--
Year Built
1973
HOA Fees
-
Finished Area
1,640 sqft
Lot Size
0.37 acre lot
Basement Area
- sqft
MLS Name
Space Coast MLS (Space Coast Association of REALTORS®)
MLS Number
1087444
MLS Status
Pending
Days on Market
27
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Location
Facts & Features
Rooms
Bedrooms & bathrooms
Bedrooms: 3
Bathrooms: 2
Interior
Exterior Features
Other, Impact Windows
Cooling
Central Air, Electric
Heating
Central, Electric
Sewer
Public Sewer
Appliances
Dishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
Interior Features
Ceiling Fan(s), Eat In Kitchen, Pantry, Primary Bathroom Shower No Tub, Walk In Closet(s)
Flooring
Tile
Construction
Year Built
Year Built: 1973
Home type
Single Family Residence
Roof
Metal
Architectural Style
Ranch, Traditional
Property Condition
Updated/remodeled
Construction Materials
Block, Brick, Concrete
Utilities & Energy
Water Source
Public
Security Features
Smoke Detector(s)
Parking Features
Additional Parking, Attached, Garage, Garage Door Opener, Rv Access/parking
Utilities
Cable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Laundry Features
Electric Dryer Hookup, In Unit, Washer Hookup
Other Features
Patio And Porch Features
Patio, Screened
Subdivision Name
None
Lot Features
Corner Lot
Price History
| Date | Event | Price |
|---|---|---|
09/22/2026 Source: | Pending | $419,900 $256/sqft |
09/12/2026 Source: | Price Increased | $419,900 +17395.83% $256/sqft |
07/15/2026 Source: | Off Market | $2,400 $1/sqft |
07/15/2026 Source: | Listed for Sale | $2,400 $1/sqft |
07/01/2025 Source: | Sold | $2,400 -99.44% $1/sqft |
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Based on information from the Space Coast MLS through Oct 09, 2026, 08:15AM. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information provided is deemed reliable but is not guaranteed and should be independently verified. This website may not include listings or property addresses of sellers who have directed their listing brokers to withhold their listing or their property address from display on the Internet. © 2026 Space Coast Association of Realtors®. All Rights Reserved.
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